Strategic and Consultative

Healthcare Reform is a noisy and confusing challenge that
business owners, benefit managers and HR Professionals will have to
overcome to maintain quality employee benefits. Understanding how
to buy benefits is not a skill taught in a college or university
classroom. For most, buying is learned through experience and
buying has become an annual decision. The lack of knowledge and a
one year buying perspective may be the most harmful approach
affecting a company's purchasing and ability to compete in employee
benefits within their industry.

Our Producer/Consultants are committed to educating our clients
on how to purchase healthcare benefits effectively. We listen to
our clients to determine their goals and objectives and assist them
in developing a "Healthcare Management Strategy." This
strategy is a plan for the next 3-5 years of how the company will
address the cost and selection of benefits each year as the
economics and demographics of the company change. This allows our
Producer/Consultants to focus on providing client based solutions
as a part of the Healthcare Management Strategy developed with each
company.

Once the Healthcare Management Strategy has been developed, the
Producer/Consultant will assist the employer in conducting a
company wide employee wellness survey. The survey is done on a
confidential basis so the employer will not have access to any
employee's personal information. The surveys are then submitted to
our underwriting team for review and analysis. Based upon the
surveys the Producer/Consultants will be given information on how
the plan is currently being used, what product designs are
appropriate for the group, and what wellness programs and
communications would be beneficial for the company to implement as
a part of benefit plan.

With this information, any recommendations made by a
Producer/Consultant to a client will be based upon current data,
and the Healthcare Management Strategy, not assumptions and
guesses. As a part of our commitment to transparency any
recommendations made will provide full and complete financial
disclosure.

The insight this process provides an employer is very valuable
in making important decisions about benefits and may be the
difference in recruiting and retaining employees. We are dedicated
to providing the leadership for change in healthcare, innovation
and technology to improve the experience for the employers and
employees that we serve.

It's time to clear the clutter with strategic solutions to keep
your employees and business moving forward. Join us as we change
employee benefits.